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Charlottesville Postal

Charlottesvil, VA · Charter 11270

NCUA · 1 branch

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Charlottesville Postal

Charlottesvil, VA · Charter 11270

NCUA · 1 branch

Q4 2017

$5.4MAssets
$3.1MLoans
$5.2MShares
$204KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.53%, down 235 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 3.75%, down 336 bps from a year ago.
  • Funding: loans stand at 61.03% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-2.53%-235 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+36 bps YoY

Efficiency Ratio (YTD, annualized)

155.98%+4,783 bps YoY

Net Worth / Assets

3.75%-336 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-0.17%-0.35%-0.55%-0.46%-2.53%-235 bps
Return on Equity-2.43%-5.03%-8.15%-6.80%-67.36%-6,492 bps
Net Interest Margin3.56%3.44%3.37%3.46%3.92%+36 bps
Efficiency Ratio108.15%111.37%115.35%112.43%155.98%+4,783 bps
Growth
Asset Growth (YoY)1.54%-0.11%3.55%1.54%-13.05%-1,459 bps
Loan Growth (YoY)-5.28%-6.10%-7.84%-11.68%-15.38%-1,010 bps
Share Growth (YoY)1.89%-0.21%3.57%1.57%-11.24%-1,313 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.54%0.60%0.57%0.68%1.59%+105 bps
Capital
Risk-Based Capital7.12%7.06%6.73%6.83%3.75%-336 bps
Net Worth / Assets7.12%7.06%6.73%6.83%3.75%-336 bps
Liquidity & Funding
Loans / Shares64.02%62.44%58.50%57.79%61.03%-299 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps